Start with the monthly deposit, annual rate and duration. Results update as you type. Defaults use deposits at the beginning of each month with quarterly interest crediting, no tax and no step-up. Bank maturity values can differ.

Recurring Deposit (RD) Calculator

₹5,000
7.5%
5 years
Optional settings: timing, step-up, tax, inflation & goals
0%
0%
0%
Mode currently: —
Use goal-seek buttons to compute required deposit or tenure.

Total Invested

₹300,000.00

Maturity Value

₹364,457.90

Interest Earned

₹64,457.90

17.69% of maturity is interest

IRR (Annualized, cashflow-based)

7.71%

Nominal effective rate: 7.71%

Post-Tax Maturity

₹364,457.90

Real Value (Today's ₹)

₹364,457.90

After inflation + tax: ₹364,457.90

Note: Bank-style quarterly crediting simulates monthly interest accrual credited into principal every quarter (optional quarter-end rounding).

Growth chart (Invested vs Balance) — hover for tooltip

Showing all months

MonthDepositInvestedBalanceInterest
The schedule shows every month from the beginning to maturity (up to 600 rows). Use CSV for offline.

How the recurring deposit estimate works

Enter the monthly deposit, annual interest rate and duration. Optional settings change deposit timing, an annual step-up, inflation and a flat tax assumption. Results update as you type. Open the schedule to inspect each month or download it as CSV.

The default quarterly model accrues monthly interest and credits it into the balance each quarter. Monthly mode compounds every month. These are mathematical models, not a bank quotation; day counts, actual deposit dates, rounding and premature-closure rules can change a bank’s result.

Read the result

Total invested is the sum of deposits. Interest earned is the ending balance less deposits. Post-tax maturity deducts the chosen flat tax percentage from positive interest; it does not calculate personal liability or TDS. Real value divides that amount by the assumed inflation factor. IRR annualises the model’s monthly cash flows.

Example and optional goal calculation

At 0% interest with ₹1,000 deposited monthly for 12 months, the ending amount is ₹12,000. The goal controls solve the required deposit or duration under the same assumptions; a result does not establish that a rate is available or suitable.

For dated transactions, use XIRR. For step-up contribution illustrations, use SIP scenarios. All calculators.

Published by Getaka, a hobby publication, not a SEBI-registered Research Analyst or Investment Adviser. Reviewed 28 September 2026. Report an error.